starting from scratch would have been easier

My to-do list over the past year has just kept growing and growing, but the main thing I keep focusing on is rebuilding my credit. I was an idiot with my finances when I first moved to Minnesota over five years ago, and anyone that tries to approve me for a loan can probably tell you the same thing. I was young. They didn’t teach me it in school. I can use whatever excuse I want, but it doesn’t just automatically make those negative credit marks disappear. Unfortunately.

It wasn’t until about three months ago that I wound up with another credit card. None of those cash back credit cards for me, though. My cute little baby card with its $300 limit is slowly helping me boost that credit score when I pay it down every month. No, I didn’t think to compare credit cards or worry about the company that’s going to offer me better balance transfers, because anyone in their right mind is going to turn me down. I took the first one I “qualified” for an ran with it.

It makes me kind of happy that over the past year, my credit score has jumped 30 points. That’s not a lot, but from where I’m at, there’s really nowhere else to go up out of the cellar. So, hey, I’m happy. And it doesn’t take much these days.


  1. said:

    Nice work. Credit scores can improve dramatically if you consistently pay on time and even faster if you pay more than minimums. Keep at it!

    August 14, 2007
  2. said:

    Woo, lawdy, this is one of the things that stresses me out the most. I made some monumentally stupid financial decisions and am still paying for them (ha!).

    It’s a painfully slow process. But good for you for keeping at it.

    August 15, 2007

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